Business Credit and Financing Solutions for Small Business Owners
Get business credit and financing to launch and expand.
Be credit-ready to get approved.
Before you apply for business credit, it’s crucial that you complete lender compliance. Lender compliance is a set of approval guidelines that banks, lenders, suppliers, vendors, and retailers use as part of their credit decision-making process.
Separate your personal and business credit
With an EIN, your business will be able to establish its own unique credit identity that is separate from your personal credit. By building a creditworthy business, you can leverage the power of your business, build a business credit asset and protect your personal credit at the same time.
Create business credit reports and scores
Building strong business credit reports is a key strategy for maximizing a company’s ability to finance. With good business credit scores, you position your company to receive higher credit limits, better payment terms, interest rates and offers from suppliers, lenders, banks, and credit grantors.
Obtain lines of credit and cash loans
Whether starting or expanding a business, it is essential to identify your creditworthiness, what financing vehicles are available, and how to maximize the credit-building process, both personally and for the business. Obtain cash loans, bank lines of credit, and revolving lines of credit in 20 days or less with our financing programs.
The commercial credit construction system
Credit Fulfillment
Our proprietary trade credit building system guides you through the process of creating a credit identity for your company that is independent of you personally.
Our system is comprehensive and will guide you through the completion of the 20+ compliance steps necessary to ensure that your company meets the credit issuer’s standards to obtain approval for trade credit.
Credit Capacity
We address your creditworthiness both personally and as a company to identify what financing vehicles are available and how to maximize the credit-building process.
You will have the opportunity to apply for various types of financing and credit programs within the system at every stage of your creditworthiness.
Credit Acquisition
Obtain initial vendor and supplier credit to build your business credit reports without a personal credit check.
The types of credit you will have access to in the system include, but are not limited to, the following:
- Vendor Credit
- Vendor Credit
- Retail Credit
- Fleet Credit
- Commercial credit cards
- Secured/unsecured revolving credit lines
- Bank lines of credit
- Installment loans
- Income-based lines of credit
- Equipment Financing
Credit origination
Search our highly researched database of vendors, suppliers, fleet cards, lenders, and secured and unsecured business credit cards.
Within the system, you will be able to see what each credit source requires for approval and which commercial credit reporting agency it reports to.
Commercial lines of credit
Access to Credit
Whether a new or established business, this is by far the most accessible and easy type of capital to obtain.
Our clients receive between $50,000 and $150,000 in unsecured revolving lines of credit that can be used for any business purpose.
- Unsecured
- No personal or business tax returns
- No interest for 6-18 months
- No upfront fees
- Obtain lines of credit in as little as 14 days
Protects Personal Credit
Revolving lines of credit established for your business do not report to consumer credit reporting agencies.
This allows you to protect your personal credit because all purchase activity, payments, and debts you have on your business lines of credit are only reported to the business credit reporting agencies, not your personal credit.
Build business credit
Revolving lines of credit set up for your business report only to business credit reporting agencies such as Experian Business, Equifax Small Business, and Dun & Bradstreet.
With multiple business credit lines set up, your business will be in a position to obtain credit limit increases every 6 to 12 months, either from automatic account reviews or by request.
In addition, with multiple banking relationships, banks will compete for your business with ongoing balance transfer offers and additional credit products.
Bank lines of credit
Access to cash
Use bank lines of credit to finance items such as inventory, equipment, product development, or expansion. Borrow as much or as little as you need, up to your available credit limit.
Access your line of credit in a variety of methods: by phone, online, or access checks.
Business
A bank line of credit is ideal if your business needs easy access to cash for short periods of time. It can help manage cash flow fluctuations, purchase materials, finance accounts receivable, or consolidate invoices.
Bank lines of credit are issued up to $50k from each bank and are generally in the 5-10% interest rate range.
With business bank lines of credit, getting the funds you need is as easy as writing a check, making an online transfer, or requesting a phone transfer. You decide when, where, and how to access your line of credit.
Personal
A bank line of credit is always easier in your personal name and can be used for virtually any type of purchase. Bank lines of credit are issued up to $50k from each bank and are generally in the 5-10% interest rate range.
With a personal bank line of credit, getting the funds you need is as easy as writing a check, making an online transfer, or requesting a phone transfer. You decide when, where, and how to access your line of credit.
Commercial loans
Cash Lump Sum
By far the most widely used due to its ease and speed, we get clients $25-$300k in cash loans in as little as 20 days.
Get cash deposited into your bank account with a fixed monthly payment for 2-7 years. Individual loan amounts are up to $100,000 each with rates ranging from 6-12%.
Business
An installment loan is the most common form of business loan. You borrow a lump sum of money and repay the loan over time at a fixed interest rate.
Many businesses can qualify for an installment loan with a steady income and a good credit score.
Since an installment loan has a longer repayment period than a short-term loan, a company’s finances and credit scores are very important.
Staff
It is not widely known that you can actually use a personal loan for business purposes.
Personal loans are especially useful for new businesses that do not have an established business credit history and often have lower interest rates than many commercial loans, making them an excellent choice for start-ups seeking financing.